Equity
€147,338 ▲ 52.4%
Equity rose in 2024 from €96,683 to €147,338.
Bem Groep
Lifetime
2 annual accounts with figures on one time axispeak €125,016 (2023)
€75,328▼ 39.7%
peak €94,183 (2023)
€50,656▼ 46.2%
peak €147,338 (2024)
€147,338▲ 52.4%
€641,669▲ 65.4%
peak 0 FTE (2023)
0 FTE
Board7 names since 2022
5 directorsEl Mossaoui Jamal and 4 others
Documentsfilings and deeds
30-10-202591 days late
2024abbreviated format
Gross margin from €125,016 to €75,328Result from €94,183 to €50,656Equity from €96,683 to €147,338Debts from €388,052 to €641,669Investments €28,395
Key points
from the 2024 annual accountsTurnover
≈ €620,000 estimated
The abbreviated format states no turnover.
Debts
€641,669 81% of the balance sheet
Suppliers 2%Taxes and wages 12%Other 86%
Investments
€28,395 4.6 × depreciation
Green is investment, beige is depreciation. Machinery stands 2751.3% higher than in 2023.
Starting capital
€2,500 100 shares
Board
1 left
A director left. Latest change 17-11-2025 · 4 in office.
2025 accounts not filed, 102 days past the deadline
Checked score
50
Fair
Financially stronger than 50% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 7.0%highest value
01-2025: 7.0%● unchanged vs 12-2024highest value
02-2025: 7.0%● unchanged vs 01-2025highest value
03-2025: 4.1%▼ -2.9 percentage points vs 02-2025
04-2025: 4.2%▲ +0.1 percentage points vs 03-2025
05-2025: 4.4%▲ +0.2 percentage points vs 04-2025
06-2025: 4.2%▼ -0.2 percentage points vs 05-2025
07-2025: 4.2%● unchanged vs 06-2025
08-2025: 4.8%▲ +0.6 percentage points vs 07-2025
09-2025: 5.2%▲ +0.4 percentage points vs 08-2025
10-2025: 6.8%▲ +1.6 percentage points vs 09-2025
11-2025: 6.3%▼ -0.5 percentage points vs 10-2025
12-2025: 1.6%▼ -4.7 percentage points vs 11-2025
01-2026: 1.6%● unchanged vs 12-2025lowest value
02-2026: 1.6%● unchanged vs 01-2026lowest value
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.6%● unchanged vs 04-2026
06-2026: 1.7%▲ +0.1 percentage points vs 05-2026
07-2026: 1.9%▲ +0.2 percentage points vs 06-2026
08-2026: 2.5%▲ +0.6 percentage points vs 07-2026
09-2026: 2.7%▲ +0.2 percentage points vs 08-2026
10-2026: 3.6%▲ +0.9 percentage points vs 09-2026
11-2026: 3.6%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 91 days late; 2 of the last 3 accounts late
Figures for financial year 2024 (filed on 01-11-2025)
Founded in 2022
lowers risk
Size: total assets €789,007
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 35% of them on solvency, 13% on liquidity, 65% on profitability and 87% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,602 companies had the same profile as Bem Groep has now. Each dot stands for 5 companies, two years later.
96.4%
were still trading
0.9%
stopped another way
2.3%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Bem Groep itself is higher: 3.6% within 12 months. It rests on far more data about Bem Groep than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,602 companies, not a prediction for Bem Groep. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is tight, with a current ratio of 1.19 (1.24 in 2023), below the usual 1.5. Short-term debt is 81.3% and cash 6.7% of total assets. 81.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 2 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 91 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 2 filingsDeviation from the deadline
2025
not filed
2024
91 days late
2023
210 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 151 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
Board and ownership
DM
De Moyer Ian
Director
- El Mossaoui Jamal 100 sharesdeed of 07-04-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0784482253
Resignation: Zamounani Aymane (director)
General meeting of 17-11-2025 · Gazette deed
1 director appointed, 2 resignations
Resignations: De Moyer lan and El Mossaoui Hamza · Appointment: Zamounani Aymane · General meeting of 30-06-2025 · Gazette deed
Appointment: Jarada Yousef Ghazal (director)
General meeting of 02-01-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bem Groep Lokeren | €789,007 | €75,328 | 18.7% | 0 |
| GT CARS Alken | €742,143 | €65,157 | 17.6% | 0 |
| AUTOHUYS Geetbets | €594,648 | €62,553 | 30.7% | 0 |
| Rizq Occasions Brecht | €497,515 | €127,957 | 1.0% | 0 |
| OCJ Auto’s Geel | €499,834 | €138,338 | 68.4% | 0 |
| BELGOCAR Zaventem | €717,324 | €183,154 | 45.2% | 0 |
| PETIT J-M Zottegem | €741,816 | €165,520 | 57.6% | 0.5 |
These companies have the same main activity as Bem Groep: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €498,000 and €742,000, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 05-04-2022Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 4 others
- Establishment unit
- 2.330.864.5679160 Lokeren, since 05-04-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Insights on Bem Groep
The computed 12-month bankruptcy probability of Bem Groep is 3.6% (moderate). The 2024 annual accounts show equity of €147,338 and a net result of €50,656.
Its solvency ranks better than 26% of 9,538 sector peers (NACE 47, financial year 2024). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Bem Groep
- What is the company number of Bem Groep?
- The company number of Bem Groep is 0784.482.253. The VAT number is the same number with BE in front: BE 0784.482.253.
- Where is Bem Groep based?
- The registered office is at Adhemar Goetersstraat 11, 9160 Lokeren.Company details
- What does Bem Groep do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of Bem Groep?
- Bem Groep is a private limited company (BV).
- When was Bem Groep founded?
- Bem Groep was founded on 05-04-2022.
- Is Bem Groep still active?
- Yes, Bem Groep is an active enterprise in the KBO register.
- What is the turnover of Bem Groep?
- The turnover in financial year 2024 is ≈ €620,000. This figure is estimated from the gross margin of €75,328 and 33 comparable companies (NACE 47811). It probably lies between €420,000 and €1.3m.Financials
- Is Bem Groep profitable?
- In financial year 2024, Bem Groep made a profit of €50,656.
- Where can I find the annual accounts of Bem Groep?
- Bem Groep filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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